NiveshLens / Calculators
Numbers that
don’t lie.
Eleven formula-driven calculators and comparisons for the everyday financial decisions. No accounts, no ads, no AMC commissions in disguise.
Set
11
Tools · free forever
01 · SIP
Σ
Recurring SIP
Future value of a monthly investment.
FV = P × (((1+r)ⁿ − 1) / r) × (1+r)Open →02 · LUMPSUM
₹
One-time investment
Compound growth of a single deposit.
FV = P × (1 + r)ⁿOpen →03 · CAGR
%
Annualised return
Smoothed growth rate between two points in time.
CAGR = (FV / PV)^(1/n) − 1Open →04 · EMI
∂
Loan instalment
EMI, total interest, year-wise amortisation.
EMI = P·r·(1+r)ⁿ / ((1+r)ⁿ − 1)Open →05 · HOUSE
⌂
Home affordability
How much house can you actually afford?
FOIR rule, reverse-solvedOpen →06 · RENTBUY
⇄
Rent vs Buy
Year-by-year cashflow simulation.
NPV(buy) − NPV(rent + invest Δ)Open →07 · TERM
Φ
Life insurance cover
HLV-based term cover requirement.
HLV = Σ inc·dep·(1+g)ᵗ / (1+d)ᵗOpen →Head to head
Comparisons
SIP vs LUMPSUM
⇄
SIP vs Lumpsum
Drip monthly or invest it all upfront.
FV(SIP) vs FV(Lumpsum)Open →SIP vs FD
⇄
SIP vs FD
Equity SIP against a fixed/recurring deposit.
Equity SIP vs RD · pre/post-taxOpen →SIP vs PPF
⇄
SIP vs PPF
Market growth vs tax-free PPF.
Equity SIP vs PPF (EEE)Open →STEP-UP SIP
↗
Step-up SIP
Raise your SIP yearly vs a flat SIP.
Σ annuity-due, contribution ×(1+g)Open →All computed client-side · zero data sent to the server
v1.3 · 2026